Junaid Raza Maher

Results-driven Senior Software Engineer with 2+ years of progressive experience delivering secure, high-availability enterprise applications in regulated banking environments. Specialized in C#, ASP.NET, SQL Server, Windows Services, and RESTful API development with deep expertise in financial technology integrations including SMS Banking APIs, 1LINK bill payment systems, IBM App Connect middleware, and SBP-compliant payment gateway integrations. Proven track record of engineering mission-critical microservices, automated EOD batch processing pipelines, and end-to-end encrypted data-transfer utilities for credit card file processing.

Adept at translating complex business requirements into scalable backend solutions while maintaining PCI-DSS awareness and OWASP Top 10 compliance. Seeking to leverage advanced .NET engineering expertise within a global fintech or technology organization.

Senior Software Engineer at Soneri Bank Ltd (2024-07 – Present)

• Architected and developed mission-critical banking applications using C#, ASP.NET, and SQL Server, supporting core financial operations including customer onboarding, transaction processing, KYC verification, and regulatory reporting across multiple banking channels.
• Engineered automated Windows Services for end-of-day (EOD) batch processing pipelines covering settlements and reconciliation workflows, eliminating manual workload by 70% and significantly improving processing accuracy and auditability.
• Designed and implemented SMS Banking APIs enabling customers to perform account inquiries, fund transfers, and balance checks via mobile, integrating securely with core banking systems and SBP-mandated communication gateways.
• Integrated 1LINK bill payment infrastructure, enabling seamless utility bill payment processing for bank customers and ensuring compliance with inter-bank payment switching standards.
• Developed IBM App Connect integration flows to orchestrate real-time data exchange between internal core banking systems and external third-party service providers, reducing manual data-handling overhead.
• Built credit card file encryption and decryption utilities using industry-standard cryptographic algorithms to ensure PCI-DSS-compliant secure file transfer of sensitive cardholder data between banking systems.
• Constructed secure ASP.NET web applications with role-based access control (RBAC), input sanitization, and anti-forgery tokens, ensuring full compliance with internal security policies and State Bank of Pakistan (SBP) guidelines.
• Designed and optimized Microsoft SQL Server databases including normalized schemas, stored procedures, indexed views, and execution plan analysis; achieved 40% improvement in query performance across high-volume transaction tables.
• Integrated third-party APIs (KYC verification, payment gateways, SBP switches) via RESTful web services, implementing end-to-end encryption, retry logic, and comprehensive audit trail logging.
• Developed responsive Windows Forms desktop applications for branch-level staff, enabling real-time transaction processing with offline-mode capability and automatic data synchronization upon reconnection.
• Delivered Level 3 production support, resolving critical incidents within SLA targets and conducting thorough root cause analysis to prevent recurrence and improve system resilience.
• Conducted unit, integration, and performance testing across all application layers, reducing post-deployment defects by 50% and increasing overall software quality.
• Collaborated with cross-functional teams including business analysts, QA engineers, and system architects in an Agile workflow, contributing to sprint planning, code reviews, and delivery of 3+ major production releases.
• Authored comprehensive technical documentation, REST API specifications, and end-user manuals to ensure knowledge transfer, system maintainability, and audit readiness.

Web Developer & SEO Specialist at Salman Electronics (2023-05 – 2024-04)

• Developed a fully responsive e-commerce web application using HTML5, CSS3, JavaScript, and PHP, enhancing user experience and supporting online sales operations.
• Executed comprehensive on-page and off-page SEO strategies, driving a 60% increase in organic traffic within 6 months through keyword optimization, metadata enhancements, and link-building campaigns.
• Integrated third-party payment gateways and optimized UX/UI workflows, resulting in a 35% improvement in customer conversion rates.

Bachelor of Information Technology in Information Technology – Benazir Bhutto Shaheed University Lyari (BBSUL) (2020 – 2023)

Intermediate in Pre-Engineering – DJ Sindh Government Science College (2018 – 2019)